# NORTH COAST
Bellingham, WA · NCUA charter 66734 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/north-coast-66734

Who the members are: state charter, organized 1938, low-income designated. 20,358 members of 201,290 potential (10.1% of the field); checking penetration 69% (share draft accounts per 100 members); loans per 100 members 40.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $429.7M |
| Members | 20,358 (-1.4% YoY) |
| Full-time staff | 68 |
| Net worth | $57.6M |
| Net worth ratio | 13.4% (p76 of band) |
| ROA (annualized) | 0.49% (p35 of band) |
| Total delinquency | 0.35% (p26 of band) |
| Net charge-offs (annualized) | 0.72% (p78 of band) |
| Loans / shares | 70% (p43 of band) |
| Cash / assets | 23.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.60% (p53 of band) |
| Operating expense / assets | 3.14% (p28 of band) |
| Vehicles % of loans | 19% (p20 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 74% |
| Third-party paper % of net worth | 65% (p46 of band) |
| Vehicle delinquency | 1.31% (p85 of band) |
| Vehicle NCO | 3.37% (p97 of band) |
| Repossessed % of vehicle book | 0.23% (p87 of band) |
| Real estate % of loans | 42% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 162% |
| Core shares % of member funds | 63% |
| Certificates % of member funds | 29% |
| Average share balance | $9,561 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $5.6M |
| Loans outstanding per 100 members | 40% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $32,296 |
| Loans granted, annualized | $42.1M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $5.6M outstanding purchased (9.7% of net worth), $399,543 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 9.8% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | delinquency rising, members leaving |  |
| 2017-06 | 1 |  | members leaving |
| 2017-09 | 2 | 3rd-party paper>100% NW |  |
| 2017-12 | 1 |  | delinquency rising |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | delinquency rising |  |
| 2018-12 | 1 |  | delinquency rising |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | delinquency rising |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 |  | delinquency rising |
| 2020-03 | 1 |  |  |
| 2020-06 | 3 | net worth falling, margin squeeze |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 5 | delinquency rising, members leaving |  |
| 2021-03 | 5 |  |  |
| 2021-06 | 3 |  | net worth falling, members leaving |
| 2021-09 | 3 |  |  |
| 2021-12 | 2 | net worth falling | margin squeeze, delinquency rising |
| 2022-03 | 1 |  | net worth falling |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | assets shrinking |  |
| 2023-09 | 3 | delinquency rising |  |
| 2023-12 | 2 |  | delinquency rising |
| 2024-03 | 2 | delinquency rising | assets shrinking |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 0 |  | 3rd-party paper>100% NW, delinquency rising |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2022-08-19 [Julia Parker joins North Coast Credit Union - Lynden Tribune](https://news.google.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?oc=5) · Lynden Tribune
- 2025-02-07 [Bellingham credit union branch closing as city purchases property for affordable housing - Bellingham Herald](https://news.google.com/rss/articles/CBMid0FVX3lxTE52MTJ1bHRreW9ha0djbkdxQ2FXSHAzbDRvdkZPR2pBWnZUR2g1cVpnWlpGU29fNU1yVU1xak9DVmM4dlFqSFFpWEdmVGM5OXAyVFJualpFbk40M3dNc0czN0tEelpCZGo0T2czVlAtTExoYTNuQm9v0gF3QVVfeXFMUDhyc1JVMjFDa25QNjBWWG44YmFiSWJDa3dfWkFTOFdTbjA5VkU4LWE3VzVpNS1MVVMzNHZxNjNkMC1VNkhDbm16YUlFOGsxcVh3WGtSb3hJU1JrZUdxQkdGUU5fVnhxYlhJTjR5eDMxbWNZME9oMEU?oc=5) · Bellingham Herald
- 2025-04-23 [Birch Bay Water and Sewer District hires new finance director, HR manager - thenorthernlight.com](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPbnVrdUw1Y3dXWDFwVDZtdmxUd3ZzbEFNNGxuSF9CbngzQmllNDRYdDdYRFBsb0taajBJb1BBUkVGVXdQUEFrTksyOVY0cHZHd3R0LUpfbi1OZ29iVFlPUUduSkI5NFJsN1p6OU5ZamNQVkYycHpTLVpfQnBQd3d3WXJMQU41cGR2a1JacXNlUmJSM2F3RUhSQXhCaGQ5VEE0cDN0V1YyS2xGVU84MkcxdVdkY2xqTnhoS3Yw?oc=5) · thenorthernlight.com
- 2019-12-28 [Tony Flaherty Obituary (1969 - 2019) - Bellingham, WA - Bellingham Herald - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxPLWsxSy1YMGJnSW5zZXRWTHFsX21mS2xYd2R5LVUwTVI5TWptcm1vVFVTZnNhZllQTUxtWnFENlNFdGlzX1F5YUtqWFNrMWFxVndTOGktVlVFTk9rOGRmTTgtSHUyVU5YWGk5YTJPS3RsdGJWaTdJSTJCQk9hV2RJVXFwZ1ptaHFXdE9FQlZBSjlNdmV4S2hqUQ?oc=5) · legacy.com
- 2025-05-07 [Whatcom News for May 7, 2025 - Lynden Tribune](https://news.google.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?oc=5) · Lynden Tribune
- 2024-02-08 [Robert Jordan Obituary (1943 - 2024) - Blaine, WA - Bellingham Herald - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxQNl9OOTdCM1FHcVRESXE5VTM0dnRwdDhGMEMwYTdQcDJFNWhaRUsyTFRUNTBkaDR4M2xBVzJxTkU3UHR2VjhaNEpGcVo0ZTM4eUYwNXpTdmwzWDRmb0w1UGVSV3V2N3JYOTFoU0FpTzRPOTIzYXMwYzJkdW9aeVZBdnMyWFhNY245SktMWFZHTjFDS2dvWUxfVw?oc=5) · legacy.com
- 2023-10-01 [Tina Trump Obituary (1963 - 2023) - Bellingham, WA - Bellingham Herald - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxPNjExMER6cC1YVEFnWmgxNDREZVpMbU0xMHpSa090Nmd2WE5aVUNCeG9oaTYwaklKX3FNZ0szWmhVQTFZV2ExTEh4SHU5UEZuM3FvSTd0RVJmTkVtUEd2c0t3Sm1sLWU0SEx1MDlwMVZOODhkcG1ra0p4SDhmYVlDdS1vSGFMeVJudjYtWWw0OWJ6Nzds?oc=5) · legacy.com
- 2015-05-22 [Justin Freeman Obituary (2015) - Marysville, WA - The Herald (Everett) - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxQeGJzakk3RjJFMmVKdDdrWVF1Umdzc0k1NFIweVRQOEVMbGx4aDJ2VUZ6Wk1EQjd4N05FRko3WTJxZWhUOXdPeGxaRWFPTVdGNlkwbEJTT0RoZFlnRDc5WnZ4SFl2YXlBMzBOOW5MUFp4TlVjV3A4X29TOFA0eDBzU0tOcG4wRXZRR0F5eENpcEs?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66734 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/46.json (key "66734", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=66734
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide